Call reports 2002
HEARTLAND TRI-STATE BANK — 2002
What HEARTLAND TRI-STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 42,298,000 | 44,854,000 | 42,766,000 | 46,857,000 |
| Total loans | 31,863,000 | 33,525,000 | 33,707,000 | 35,069,000 |
| Allowance for loan losses | 689,000 | 767,000 | 669,000 | 781,000 |
| Securities available for sale | 5,834,000 | 5,789,000 | 4,189,000 | 3,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,968,000 | 39,465,000 | 37,332,000 | 41,544,000 |
| Interest-bearing deposits | 33,377,000 | 36,274,000 | 33,710,000 | 37,290,000 |
| Noninterest-bearing deposits | 3,591,000 | 3,191,000 | 3,622,000 | 4,254,000 |
| Equity capital | 5,094,000 | 5,225,000 | 5,272,000 | 5,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 768,000 | 1,491,000 | 2,219,000 | 2,931,000 |
| Interest expense | 217,000 | 417,000 | 611,000 | 786,000 |
| Net interest income | 551,000 | 1,074,000 | 1,608,000 | 2,145,000 |
| Noninterest income | 127,000 | 260,000 | 394,000 | 529,000 |
| Noninterest expense | 396,000 | 787,000 | 1,180,000 | 1,627,000 |
| Provision for loan losses | 60,000 | 140,000 | 300,000 | 420,000 |
| Pretax income | 222,000 | 407,000 | 522,000 | 627,000 |
| Income tax | 84,000 | 151,000 | 198,000 | 237,000 |
| Net income | 138,000 | 256,000 | 324,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,043,000 | 5,160,000 | 5,229,000 | 5,144,000 |
| Total capital | 5,411,000 | 5,541,000 | 5,598,000 | 5,570,000 |
| Risk-weighted assets | 29,261,000 | 29,995,000 | 29,190,000 | 33,710,000 |